Do you have to add your child to your car insurance if they drive only occasionally?
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Asked June 22, 2010
For auto insurance companies, who is driving the car is very important. They assess the risks of insuring the vehicle against the driving experience and safe driving records of the people who will be driving. Some insurance companies advise you to list all licensed drivers of your home, while others will warn you that uninsured household members may not be covered in the event of an accident.
Check your insurance policy and the company's procedures. Find out about occasional use coverage, which covers people who may borrow the car or use it to run an errand for you. If your policy includes this coverage, you may not be required to list the young driver specifically. Keep in mind, though, that if someone else is at fault in the accident, their insurance company may try to deny the claim based on the fact that a household member was driving the vehicle without coverage.
The best idea is to list anyone, including friends and relatives, who may drive your vehicle. If you need to loan it to someone else for a day or two, contact your insurance company and let them know. As long as your insurance company is kept in the loop they will be able to work with you to keep the vehicle and its drivers properly covered.
Answered June 22, 2010 by Anonymous